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"Make or buy" is a standard business decision. Apple is very good at it. They do not make the iPhone. They designed it and have others build it.

Apple has a good engineering department but their skill and experience is mostly in electronics and the consumer interface. Contracting with others to make the whole vehicle--possibly in a jv--seems plausible. But of course all of this is speculation.

We shall see what they decide to do.
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